Average annual fee is $300
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| Credit card | Bonus points Earn rate Annual fee Estimated Qantas Points |
|---|
2 Qantas Club Lounge Invitations per year
Complimentary Travel Insurance
per $1 spent
based on
$450 Qantas Travel Credit^
Complimentary Travel Insurance
Up to 4 Additional Cardholders for no extra fee
per $1 spent
based on
Enjoy up to five complimentary insurances
NAB Concierge Service
per $1 spent
based on
$200 BACK TO YOUR NEW CARD*
Uncapped Qantas Points earning potential
2 Qantas Club Lounge Invitations per year
per $1 spent
based on
Uncapped Qantas Points earning potential
2 Qantas Lounge Invitations per year
per $1 spent
based on
2 Qantas Club Lounge Invitations per year
Complimentary Travel Insurance
per $1 spent
based on
Complimentary Travel Insurance
Two complimentary airport lounge visits with Priority Pass™
per $1 spent
based on
2 Qantas Club Lounge Invitations per year
Complimentary Travel Insurance
per $1 spent
based on
2 Qantas Club Lounge Invitations per year
Complimentary Travel Insurance
per $1 spent
based on
4th Night on Us
Airport lounge access with Priority Pass™
per $1 spent
based on
Uncapped Qantas Points earning potential
Two complimentary lounge visits
per $1 spent
based on
No international transaction fees
Complimentary International Travel Insurance
per $1 spent
based on
20% bonus Status Credits on Qantas flights
10% discounted base fare for Qantas flights
per $1 spent
based on
Complimentary Travel Insurance
Only for Medical, Dental, Veterinary & Accounting specialists
per $1 spent
based on
Up to 51 days to pay for purchases
2 Domestic Qantas Club Lounge Invitations
per $1 spent
based on
Uncapped Qantas Points earning potential
Up to 55 days interest free on eligible purchases
per $1 spent
based on
Black credit cards
Black credit cards can be considered to be ‘top tier’ credit cards, offering more premium features and services than platinum, gold or other standard options. Designed for high-earners and spenders, they can offer generous rewards programs, complimentary insurance, dedicated concierge services, travel benefits and much more.
Choose the right black Qantas Points earning credit card for you
There are a number of black credit cards that earn Qantas Points available, all offering a range of exclusive features and benefits. So, when looking for a black credit card, it’s a good idea to go through all the features to decide which ones are the most important to you. Explore our black credit card range here.
Why choose a black credit card?
A black credit card offers more privileges and perks than other types of credit cards. The features and benefits of black credit cards can include:
- Higher credit limits
- More rewards or Qantas Points per dollar
- Higher points caps (or no points caps) for reward programs
- More flexible reward programs
- Travel vouchers
- Greater financial coverage for insurance
- Access to airport lounges around the world
- Dedicated travel booking services
- A personal concierge service
- Invitations to exclusive events or promotions
- Discounts and special promotions on travel, shopping and dining
When you're deciding on a black credit card, make sure you check the annual fees and other potential costs so that you can decide whether for you, the benefits outweigh the costs of the black credit card that you choose.
How do I apply for a black credit card?
How you apply will differ depending on the issuer. However, it is important to keep in mind:
- Applicants must be at least 18 years of age.
- You must have an excellent credit history.
- You must have a regular source of income. Black credit cards also have higher minimum income requirements
- Full-time employment is preferred. If you are self-employed, retired or on a pension and can provide proof of regular income, then you may also be eligible to apply.
What do I need to consider when choosing a black Qantas Points earning credit card?
It is important to ask yourself the right questions to make sure a black Qantas Points earning credit card is the right card for you:
Do you use credit a lot?
If you regularly pay with a credit card, the higher credit limit of a black credit card could offer you more flexibility when it comes to spending. It will also help you get the most out of features such as rewards.
Do you regularly pay off your credit card?
Black credit cards can have higher interest rates than other credit cards, so be sure that you can pay off your card monthly in order to enjoy the benefits fully.
How many of the features will you use?
While it’s great to have access to a wide range of features, the value comes from using them. Think about the features you want and how often you will use them, to decide whether or not a black credit card is right for you.
Not a member? Join Qantas Frequent Flyer for free.
Popular credit card features
What you need to know
You must be a member of the Qantas Frequent Flyer program to earn and use Qantas Points. A joining fee may apply. Membership and points are subject to the Qantas Frequent Flyer program Terms and Conditions. Qantas Points are earned on eligible purchases through the relevant card partner and card partner reward program.
Products referred to are not Qantas products and not offered or issued by Qantas but by the relevant Australian Financial Services Licence (AFSL) or Australian Credit Licence (ACL) holders. The information about the relevant product has been provided by the relevant licensees and not Qantas. Qantas does not hold an AFSL or ACL and is not a licensee or authorised representative in relation to the activities being engaged in by the relevant licensee (except for Qantas-branded products).
The information provided is factual and of a general nature only and does not consider your personal objectives, financial situation or particular needs.
Qantas is not recommending the products described. We recommend that you obtain independent advice before you apply for any product. Qantas does not accept any liability for any loss arising from the use of, or reliance, on the information provided.